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Top 10 Things to Consider about Individual POS Coverage versus Individual HMO Coverage

Top 10 Things to Consider about Individual POS Coverage versus Individual HMO Coverage

Here is what you should know about Individual HMO Coverage:

  1. You’ll get unlimited health services with Individual HMO Coverage.

2. Your doctor will manage your care. You’ll need to see your primary care physician for a referral to visit specialists.

3. If you go outside your health insurance plans’ network of doctors you will have to pay the entire cost for the visit on your own.

4. With Individual HMO insurance you’ll need to make monthly premium payments and small co payments will be due at time of visit.

Here is what you should know about Individual POS Coverage:

  1. Individual POS health insurance allows you to visit doctors outside your plan if your doctor refers you. The cost will be covered by your insurance if it is a referral.

2. You don’t have to worry about filing claims or receiving reimbursement. If you go outside of the PPO’s network, those tasks become your responsibility.

3. Your out-of-pocket cost is reduced with POS health plans. Premiums and co-payments are less expensive under POS plans than they would be under a PPO.

4. There is also no deductible on most POS health insurance plans.

5. A POS plan does offer greater freedom than an HMO; as a result, that benefit must be traded off with higher costs.

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